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KEARNY FINANCIAL CORP. (NASDAQ - KRNY) 
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,660,5073,260,32842.954,501,34814.14
Loans Held for Sale, before Reserves1,5033,808(60.53)863296.64
Loan Loss Reserve32,73129,44511.1630,86524.18
Net Loans Receivable4,629,2793,234,69143.114,471,34614.13
Intangible Assets217,255108,85299.59217,541(0.53)
Total Assets6,656,2114,808,15038.446,579,8744.64
Deposits3,954,8212,952,88733.934,073,604(11.66)
Debt, Senior and Subordinated1,419,424808,55475.551,198,64673.68
Common Equity1,236,0811,014,23321.871,268,748(10.30)
Total Shareholders' Equity1,236,0811,014,23321.871,268,748(10.30)
Shares Outstanding (actual)97,753,80081,547,84819.8799,626,400(7.52)
Income Statement ($000)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income40,18026,81049.8740,591(4.05)
Provision for Loan Losses2,100630233.33717771.55
Noninterest Income3,2323,2030.913,289(6.93)
Noninterest Expense26,50721,39523.8926,0487.05
Net Income Before Taxes14,8057,98885.3411,97594.53
Provision for Taxes3,6592,75632.764,257(56.19)
Net Income11,1465,232113.047,718177.66
Per Share Items ($)
2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share12.6412.441.6712.74(2.83)
Tangible Book Value10.4211.10(6.13)10.55(4.89)
Diluted EPS Before Extra0.120.0771.430.08200.00
Diluted EPS After Extra0.120.0771.430.08200.00
Dividends Declared0.20000.150033.330.04001,600.00
Performance Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA0.680.43250.4721
ROAE3.552.011542.39116
Net Interest Margin2.682.40282.72(4)
Loans / Deposits117.84110.41743110.50734
Efficiency Ratio61.0171.18(1,017)71.12(1,011)
Balance Sheet Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets15.8219.27(344)16.52(70)
Equity/ Assets18.5721.09(252)19.28(71)
Asset Quality Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.320.43(11)0.275
Loan Loss Reserves/ Gross Loans0.700.90(20)0.692
Loan Loss Reserves/ NPAs125.58123.56203146.63(2,105)
Net Charge-offs/ Avg Loans0.020.06(4)0.011
Regulatory Capital Ratios (%)
2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio23.6827.57(389)25.05(137)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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